Richard Breedwell is a financial advisor with Foundations Investment Advisors LLC in Roseville, CA, holding Series 65 and Series 63 credentials and bringing 10 years of industry experience. He has been with Foundations Investment Advisors since 2016 and also operates a separate business as an insurance agent, focusing on life insurance, annuities, and long-term care insurance. Foundations Investment Advisors serves a broad client base, including individual and high-net-worth clients, retirement plans, and registered investment companies. The firm provides financial planning and portfolio management through a network of affiliated offices, employing a mix of fundamental, technical, and cyclical analysis along with model portfolios and an asymmetric rebalancing approach.

Erica Traulsen is a financial advisor at Concorde Asset Management, LLC with three years of industry experience. She holds a Series 66 designation and has worked with firms including Concorde Investment Services and Bioriginal Food & Science. Traulsen serves as Director of Membership for the Financial Planning Association of Northern California. Concorde Asset Management provides portfolio management and financial planning services to individual, corporate, and retirement-plan clients. The firm uses model portfolios and third-party strategists to create tailored investment solutions and offers ERISA retirement-plan advisory services.

Jeffrey Perry is a financial advisor with IP Financial Advisory Services LLC, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. His work history includes roles at Innovation Partners LLC and Lincoln Financial Securities Corporation, alongside ownership and management of Jeffrey A Perry Insurance & Financial Services, Inc. He serves on the board of the Lincoln Law School of Sacramento. IP Financial Advisory Services primarily serves individual retail clients, focusing on portfolio management, financial planning, and retirement-plan consulting. The firm combines traditional investment advisory programs with insurance and risk management services, often employing discretionary portfolio management and coordinating with third-party investment advisors.

Gary Waller is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Hilltop Securities Inc. in Roseville, CA. He has been with Hilltop Securities since 2015. Hilltop Securities Inc. provides brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to individuals, corporations, nonprofits, and institutional clients. The firm manages approximately $2.25 billion in assets and offers a range of managed account programs utilizing an open-architecture platform with adviser-managed and model-based investment solutions.

Richard Jarvey is a financial advisor at Calton & Associates, Inc. with four years of industry experience. He holds Series 63 and Series 65 licenses and has prior work experience with Transdey, Inc., UPS, and AT&T. Outside of advising, he serves as Secretary and Treasurer on the board of Woodland Medical Closet, a community organization providing medical equipment at no cost. Calton & Associates serves individual investors, retirement plans, trusts, estates, and other retail clients by offering portfolio management, financial planning, retirement plan consulting, and access to third-party money managers. The firm provides both fee-based and commissionable brokerage and insurance products, tailoring investment recommendations to client goals and employing various program structures and analytic approaches.

Scott Bacon is a financial advisor with Encompass More Asset Management LLC and holds a Series 65 credential. He has five years of industry experience and previously worked at Verity Asset Management, Appreciation Financial, ORBA Insurance and Financial Services, and Capital Pacific Group. Outside of advisory services, he acts as an independent agent soliciting clients for insurance products through Appreciation Financial and Insurance Services, LLC. Encompass More Asset Management LLC provides discretionary portfolio management, financial planning, and retirement-platform model services primarily to individual and high-net-worth clients. The firm manages approximately $985 million across about 4,000 clients and uses model-based strategies combining proprietary and third-party sub-advisers, offering a range of investment options including equities, fixed income, and digital-asset related exposures.

Vince Caruana is a financial advisor at Hilltop Securities Inc. with 10 years at the firm and five years of industry experience. He holds the Series 66 designation and is based in Roseville, California. Hilltop Securities serves individual, high-net-worth, and institutional clients, including corporate and retirement-plan sponsors, through both investment advisory and broker-dealer services. The firm offers a range of solutions, including managed accounts, financial planning, and retirement-plan consulting, supported by an open-architecture platform that integrates third-party managers alongside firm-sponsored strategies.

Dennis Robberecht is a financial advisor at Hilltop Securities Inc. with 42 years of industry experience. He holds a Series 63 designation and has been with Hilltop Securities since 1983. Outside of his advisory role, he is an investor in Entransco Energy LLC, an oil and gas drilling and harvesting company. Hilltop Securities Inc. offers brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to a diverse client base including individuals, corporations, nonprofits, and institutions. The firm utilizes an open-architecture platform with a range of managed account programs and distinctive municipal bond strategies, providing comprehensive investment and fiduciary services.

Christopher Dulgarian is a financial advisor with Soltis Investment Advisors, LLC, holding a Series 65 designation and two years of industry experience. Before joining Soltis in 2026, he worked at Grizzly Peak Asset Management for two years and held roles at Apple Inc. and Walmart. Soltis Investment Advisors provides discretionary investment management, financial planning, and pension/401(k) consulting to individual clients, institutions, trusts, endowments, and retirement plans. The firm manages approximately $13 billion in client assets and employs a combination of Modern Portfolio Theory, quantitative screening, and qualitative manager due diligence in its investment approach.

Vladimir Donets is a financial advisor at Sowell Management with 23 years of industry experience. He holds a Series 63 designation and has worked at firms including NYLIFE Securities Inc and New York Life Insurance Company. He is also appointed to various outside insurance companies to broker non-registered insurance products. Sowell Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, and other RIAs with discretionary and non-discretionary portfolio management, financial planning, and retirement-plan advisory services through an independent-contractor model of over 100 advisors. The firm uses multiple management styles and offers services including model portfolios, third-party manager selection, unified managed accounts, and held-away account management.

Steven Balaban is a financial advisor at Concorde Asset Management, LLC with 37 years of industry experience. He holds the CFP® designation and multiple securities licenses (Series 63, 65, and 66). He has worked at Concorde Asset Management and Concorde Investment Services since 2014 and previously was associated with Independent Financial Group LLC. Outside of his advisory role, he serves as Vice President of 1031 Capital Solutions, focusing on Delaware Statutory Trust investments to assist investors in deferring taxes when exchanging investment properties. Concorde Asset Management serves individual, corporate, and retirement-plan clients with discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset managers. The firm employs asset-allocation and model-based strategies, including overlay management, and provides ERISA retirement-plan advisory services.

Donald Nielsen is a financial advisor at BlueSpring Wealth Management, LLC in Roseville, CA, holding the CFP® and CFA® designations with 10 years of industry experience. His prior roles include positions at Kestra Financial Inc., Columbia Trust Company, Columbia Private Bank, and Aon Hewitt Financial Advisors. BlueSpring Wealth Management serves individuals, business owners, trusts and estates, and pension and profit-sharing plans, offering discretionary and limited non-discretionary investment management, financial planning, and retirement plan consulting with a focus on customized investment policies and a diversified portfolio approach.

Wesley Ratelle is a financial advisor at Verity Asset Management with two years of industry experience. He holds a Series 65 designation and has prior work history including roles at Teacher's Pension and Insurance Services, Inc., where he serves as an insurance agent, and as a sole proprietor providing education, consulting, and retirement planning services. Before his financial career, he worked for over two decades in the Santa Barbara Unified School District. Verity Asset Management is an SEC-registered investment adviser offering discretionary portfolio management, retirement-plan advisory, and financial planning to individual, corporate, and institutional clients. The firm employs a model-driven investment process with tactical asset allocation across diverse asset classes and provides both internally managed and third-party models.

Steven Kimes is a financial advisor at Packerland Brokerage Services, Inc. with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Packerland since 2018. Prior to that, he was with Foresters Equity Services and Iof Foresters beginning in 2003. Kimes also owns a small insurance-related business operating under Kimes Financial of Roseville and Kimes Financial Services. Packerland Brokerage Services, Inc. serves individuals, charities, corporations, and retirement plan sponsors through a range of financial planning and advisory programs. The firm offers both discretionary and non-discretionary account management, utilizing firm-managed portfolios, wrap programs, and third-party co-advisory arrangements on the Hilltop/Envestnet platform.

Gale Brodie is a financial advisor with Vanderbilt Advisory Services, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior roles include positions at Founders Financial Securities, Waddell & Reed, Inc., and Centaurus Financial, Inc. He serves as a trustee for the Arthur & Marilyn Hughes trust. Vanderbilt Advisory Services serves a diverse client base including individuals, charitable organizations, trusts, businesses, and retirement plans. The firm offers a range of portfolio management and financial planning services, emphasizing strategic asset allocation and integrating advisory services with retirement-plan consulting and administration.

Paul Kranich is a financial advisor with Principal Advised Services, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at Fidelity Brokerage Services LLC and various entities within Principal Financial Group. Principal Advised Services provides investment advice and related services mainly to retirement plan participants and retail IRA clients. The firm offers both non-discretionary recommendations and a discretionary, wrap-fee investment management program called SimpleInvest, utilizing a combination of third-party and proprietary models supported by affiliated asset management and custodian services.

Heather Smart is a CFP® and Series 66-registered advisor at NorthRock Partners, LLC with 12 years of industry experience. She previously worked at Ameriprise and Ameriprise Financial Services, Inc. before joining NorthRock Partners. NorthRock Partners provides wealth management and advisory services to individuals, trusts, estates, retirement plans, charitable organizations, and business entities. The firm employs a tailored investment approach emphasizing broad asset allocation, diversification, and integrates private market investments while utilizing AI tools to support tax-aware investing and portfolio monitoring.

Stacy Paradise is a financial advisor with United Capital Financial Advisors in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior roles include positions at Cetera Advisor Networks, Girard Securities, and Merrill. She also works as an insurance agent, selling life, health, and annuities products. United Capital Financial Advisors provides financial planning and investment management services nationally to individual investors, corporations, retirement plans, charitable organizations, and institutional clients. The firm offers discretionary portfolio management, access to third-party managers, alternative investments, and customized strategies including ESG and faith-based preferences.

Philip Bru is a financial advisor at Foundations Investment Advisors LLC with eight years of industry experience. He holds a Series 65 designation and has previously worked at Capitol Planning Group and Mutual of Omaha. He also works as a licensed insurance agent specializing in life and health insurance. Foundations Investment Advisors LLC provides financial planning and portfolio management services to individual and high-net-worth clients, employer-sponsored retirement plans, and registered investment companies. The firm employs a mix of fundamental, technical, and cyclical analysis and offers services through a large network of affiliated offices and advisers.

Erin Kincheloe is a financial advisor at Allworth Financial, L.P. with 28 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked for 19 years at Ponder Financial Group. Outside of her advisory role, she operates a consulting business focused on CRM operations and training. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a mix of model strategies and employs third-party sub-advisers when appropriate.